The easiest Solo 401k experience, guaranteed.

Unlock the largest tax deduction available for the self-employed, up to $66,000. Our intuitive platform is built to make your Solo 401k experience 5x easier. If we don’t live up to this promise, you’ll receive a full refund plus $100 – that’s the Solo Capital Guarantee.

Invest in virtually anything

Your Solo 401k makes you the CEO of your money with access to a full range of investment options so you can grow your money faster.

Real Estate

Long-term rentals
Vacation rentals
Offshore property
Apartment syndications
Tax liens
Mortgage notes

Digital Assets

Crypto-assets (ETH, SOL, etc)
DeFi tokens
Security tokens
L1s and L2s


Venture capital
Angel investing
Convertible notes

Traditional Assets

Mutual funds
Life Insurance


Precious metals
Private placements
Private lending
Hedge funds
Offshore investments
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Solo 401k by Solo Capital

The ultimate retirement plan for businesses of one.

Discover the simplicity and power of Solo Capital, your gateway to unlocking the full potential of your Solo 401(k). Effortlessly make contributions, open bank and brokerage accounts, and diversify across asset classes – all within a visually stunning, user-friendly dashboard 

Buy Private Investments Instantly

Experience seamless investing with Solo Capital. Purchase private investments directly from your dashboard with accurate & hassle free record-keeping and reporting.

Unrivaled Tax Deduction

With a contribution limit of $66,000 for 2023, Solo 401k offers the highest contribution limit of any retirement plan.

Full Checkbook Control

Full checkbook control gives you the power to manage your retirement account with unparalleled autonomy.

Mega Backdoor Roth

Pay tax on the seed, not the crop. Maximize tax-free income in retirement with the powerful Mega Backdoor Roth strategy.

Brokerage & Crypto coming soon

Diversify across assets like stocks, bonds, ETFs, digital currencies, real estate, and private equity

Largest Roth Account Available

Leverage the largest Roth account legally possible. With the Roth Solo 401k, you can contribute significantly more (up to $22,500) than traditional Roth limits.

Invest In Virtually Anything

Diversify your portfolio with the freedom to invest in virtually anything from stocks and ETFs to real estate and crypto.

Built in IRS Compliance

With Solo Capital, your Solo 401k is always in perfect harmony with IRS rules, ensuring compliance and your peace of mind.

Hassle-Free Record Keeping

Track Solo 401k transactions with ease. Solo Capital automates record keeping, ensuring accuracy and saving you valuable time.

Solo Capital Chart

Fully Integrated Banking

Streamline your financial management with Solo Capital. Manage your retirement accounts and business banking from one platform. No more juggling multiple accounts – everything you need is at your fingertips, freeing you to focus on growing your wealth.

Reach your financial goals, ahead of schedule

Leverage larger contribution limits, tax-free compounding, and access to alternative assets to build wealth up to 3X faster.

20 year time horizon

* Illustration assumes net earnings from self employment of $148,000/yr, maximum Solo 401k contributions of $56,000/yr and investment growth of 12%/yr with alternative investments; compared to maximum contributions into IRA of $6,000 and SEP IRA of $37,000 with compound annual growth rate equal to that of S&P 500 in 2000-2018, including dividends, which is 4.83%.

What our clients are saying

Thousands of solopreneurs trust Solo Capital.

I was actually surprised at how easy and seamless the process was. Love the automation.

We previously utilized another company to set up our Solo 401k and the support was almost non-existent. How refreshing to find Solo Capital which created a new Solo 401k, has excellent resources available on their website, conducts informative webinars, and is available to respond to any remaining questions. THIS is the place to establish your Solo 401k!
Daniel M
We have been with the Solo Capital for over 10 years and have been very pleased with the service. As newbies to the Self Directed 401(k) world, they were VERY helpful in helping us navigate which investments were allowed and not allowed. I would highly recommend them to anyone wading off into the waters of Self Directed retirement plans. It has been one of the best investment decisions we have made.
Judy Hoggard
Solo Capital is an amazing platform for Solo 401Ks, the team is outstanding, helpful, and always keeping our best interest at heart. Of course, they always encourage us to consult with SMEs if we have specific questions about our own unique situation. But the wealth of knowledge and guidance is stellar. Kudos to Josh for answering all our questions. If anyone is considering a Solo 401K platform, I highly recommend Solo Capital.
I was in a time crunch to get my Solo401K open and funded so that I could make an investment. I had some questions along the way and received excellent customer service each time that I called. Combined with their pricing and fees, I don’t know that you can find a better combination.
Very easy to work with and extremely easy to set up and get your account funded.
Jake B.

Setup your Solo 401k in 5 minutes or less.

Get immediate Solo 401k access at a single affordable price. No hidden charges or management fees.

Money Back Guarantee

Our intuitive platform is built to make your Solo 401k experience 5x easier. If we don’t live up to this promise, you’ll receive a full refund plus $100.

Best In Class Support

Every step of the way, our dedicated team is at your side, providing prompt and personalized assistance for all your Solo 401k needs.

The retirement plan for businesses of one

Frequently Asked Questions

There are two elements needed to qualify for a Solo 401k:

1) The presence of self-employment business activity and

2) the absence of full-time employees. Please see our page on Solo 401k

To find out if a Solo 401k is a good fit for you, see if you qualify.

Yes, your retirement funds are safe with Solo Capital. We prioritize the security of your funds above all else. Here’s how we ensure the safety of your retirement savings:

Regulatory Compliance: Solo Capital is fully compliant with all relevant regulations and standards. We’re registered with the U.S. Securities and Exchange Commission (SEC), ensuring we adhere to the highest standards of conduct and transparency.

Secure Technology: We use state-of-the-art encryption and security measures to protect your data and funds. Our platform employs bank-level security protocols, ensuring your information and investments are safeguarded.

Insurance Protection: Our brokerage services are provided by a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC). This means your investments are protected up to $500,000, including $250,000 for cash claims.

Trustee Control: With a Solo 401k, you are the trustee of your plan. This means you have direct control over your funds and investments at all times. Even in the unlikely event that Solo Capital were to go out of business, your 401(k) and trust would remain in existence, and all funds would remain under your control.

Transparent Practices: We believe in complete transparency. We don’t have any hidden fees and we always keep you informed about any changes that might affect your account.

In summary, Solo Capital is committed to maintaining the highest level of security to keep your retirement funds safe. We’re here to support your financial journey and help you grow your retirement savings with confidence.

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The application will only take you a few minutes. After you submit your application, we’ll have your documents prepared and delivered to your private encrypted 401k document dashboard in just a couple hours! You have access to your private 401k dashboard 24/7 so you can begin a rollover at 2 am without waiting for someone to have to send you any paperwork.
As of 2023, you can contribute up to $66,000 ($73,500 if age 50+). If your spouse participates in the Solo 401k plan with you, double that contribution amount!